Can I retire at age 30 with 526,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $526,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$43,437$43,050$42,672$42,304$41,944$40,520
2 years$21,503$21,103$20,715$20,338$19,973$18,553
3 years$14,193$13,791$13,404$13,031$12,672$11,300
4 years$10,539$10,138$9,755$9,388$9,038$7,725
5 years$8,347$7,948$7,570$7,211$6,870$5,619
6 years$6,886$6,490$6,118$5,767$5,436$4,248
7 years$5,843$5,451$5,084$4,741$4,421$3,296
8 years$5,061$4,672$4,311$3,977$3,668$2,605
9 years$4,453$4,068$3,713$3,388$3,089$2,087
10 years$3,967$3,586$3,237$2,920$2,632$1,689
11 years$3,570$3,192$2,850$2,541$2,263$1,378
12 years$3,239$2,865$2,529$2,229$1,961$1,131
13 years$2,959$2,589$2,260$1,968$1,710$934
14 years$2,719$2,353$2,031$1,747$1,499$773
15 years$2,512$2,150$1,833$1,558$1,320$643
16 years$2,330$1,973$1,662$1,395$1,167$536
17 years$2,171$1,817$1,513$1,253$1,035$448
18 years$2,029$1,679$1,381$1,130$920$374
19 years$1,902$1,556$1,264$1,021$820$314
20 years$1,788$1,446$1,160$924$732$263
21 years$1,685$1,347$1,067$839$655$221
22 years$1,591$1,257$983$763$587$186
23 years$1,506$1,176$908$695$527$156
24 years$1,428$1,102$840$634$474$132
25 years$1,356$1,034$778$579$426$111
26 years$1,290$972$721$529$384$93
27 years$1,229$914$670$484$346$79
28 years$1,172$862$623$444$313$66
29 years$1,120$813$579$407$282$56
30 years$1,071$768$540$373$255$47
31 years$1,025$726$503$343$231$40
32 years$982$687$469$315$209$34
33 years$942$650$438$290$189$28
34 years$904$616$410$267$171$24
35 years$869$584$383$245$155$20
36 years$835$555$358$226$140$17
37 years$804$527$335$208$127$14
38 years$774$501$314$192$115$12
39 years$746$476$294$177$104$10
40 years$719$453$276$163$95$9
41 years$694$431$259$151$86$7
42 years$670$411$243$139$78$6
43 years$647$391$228$128$71$5
44 years$625$373$214$119$64$4
45 years$604$356$201$109$58$4
46 years$584$339$188$101$53$3
47 years$565$324$177$93$48$3
48 years$547$309$166$86$44$2
49 years$530$295$156$80$40$2
50 years$514$282$147$74$36$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $526,000, adding $2,518 every year, while hoping to spend $28,766 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 44/40/16 Blend
29$526,000$526,000$526,000$526,000
30$582,249$554,371$546,218$605,077
31$611,032$550,929$533,910$617,872
32$641,786$546,353$520,225$628,668
33$674,683$540,559$505,087$639,755
34$709,910$533,455$488,416$651,169
35$747,671$524,945$470,129$662,958
36$788,193$514,927$450,137$675,173
37$831,722$503,292$428,350$687,873
38$878,529$489,925$404,672$701,126
39$928,914$474,706$379,003$715,010
40$983,201$457,505$351,238$729,610
41$1,041,752$438,187$321,269$745,028
42$1,104,960$416,607$288,980$761,374
43$1,173,259$392,614$254,255$778,776
44$1,247,126$366,047$216,967$797,376
45$1,327,085$336,735$176,987$817,337
46$1,413,710$304,498$134,179$838,839
47$1,507,637$269,146$88,402$862,086
48$1,609,560$230,479$39,508$887,307
49$1,720,247$188,283$0$914,760
50$1,840,538$142,335$0$946,894
51$1,971,361$92,398$0$989,208
52$2,113,735$38,221$0$1,035,338
53$2,268,783$0$0$1,085,718
54$2,437,737$0$0$1,149,835
55$2,621,958$0$0$1,238,146
56$2,822,939$0$0$1,334,553
57$3,042,327$0$0$1,439,851
58$3,281,933$0$0$1,554,919
59$3,543,752$0$0$1,680,723
60$3,829,979$0$0$1,818,325
61$4,143,031$0$0$1,968,896
62$4,485,570$0$0$2,133,727
63$4,860,526$0$0$2,314,237
64$5,271,126$0$0$2,511,989
65$5,720,925$0$0$2,728,706
66$6,213,836$0$0$2,966,283
67$6,754,169$0$0$3,226,809
68$7,346,671$0$0$3,512,585
69$7,996,571$0$0$3,826,144
70$8,709,629$0$0$4,170,277
71$9,492,186$0$0$4,548,059
72$10,351,231$0$0$4,962,875
73$11,294,460$0$0$5,418,457
74$12,330,351$0$0$5,918,913
75$13,468,245$0$0$6,468,770
76$14,718,430$0$0$7,073,016
77$16,092,241$0$0$7,737,144
78$17,602,166$0$0$8,467,209
79$19,261,962$0$0$9,269,877
80$21,086,784$0$0$10,152,496
81$23,093,332$0$0$11,123,161
82$25,300,002$0$0$12,190,789
83$27,727,063$0$0$13,365,208
84$30,396,849$0$0$14,657,242
85$33,333,963$0$0$16,078,820
86$36,565,517$0$0$17,643,085
87$40,121,382$0$0$19,364,519
88$44,034,470$0$0$21,259,076
89$48,341,044$0$0$23,344,339
90$53,081,064$0$0$25,639,679
91$58,298,557$0$0$28,166,441
92$64,042,035$0$0$30,948,146
93$70,364,955$0$0$34,010,710
94$77,326,217$0$0$37,382,689
95$84,990,725$0$0$41,095,552
96$93,429,996$0$0$45,183,971
97$102,722,835$0$0$49,686,154
98$112,956,076$0$0$54,644,202
99$124,225,407$0$0$60,104,508
100$136,636,266$0$0$66,118,193